Business Insurance for Senior Centers

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Senior Activities Center (Non Medical)
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Save money by comparing insurance quotes for senior centers

An elderly person’s slip-and-fall accident or an accusation of negligence could financially devastate your facility. Protect against medical bills and legal costs with insurance for senior centers.

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One application, multiple quotes

Insureon helps senior centers compare insurance quotes from top U.S. carriers online. Fill out one free application to get quotes for your business.

What types of business insurance do senior centers need?

These policies provide coverage for the most common risks of senior centers.

General liability insurance icon

General liability insurance

General liability insurance covers third-party risks, such as a senior tripping on a rug and breaking a hip. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for senior centers to buy general liability insurance and commercial property insurance together.

  • Client injury
  • Damage to client property
  • Damage to senior center property
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), can cover expenses if your senior center is sued for negligence, such as failure to supervise a client with dementia.

  • Accusations of negligence
  • Failure to provide promised services
  • Failure to recognize a client’s needs
Directors and officers insurance icon

Directors and officers insurance

Directors and officers insurance (D&O) covers legal expenses if a board member or officer is sued for a decision made on behalf of your senior center that led to financial loss.

  • Accusations of mismanaged funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' compensation for senior centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Commercial auto insurance

Commercial auto insurance provides coverage when an accident involving your senior center's vehicle leads to an injury or property damage.

  • Auto accidents
  • Vehicle vandalism
  • Vehicle theft
Looking for different coverage? See more policies.

Why do senior centers need insurance?

With seniors, even a minor incident can lead to serious injury. It’s crucial to secure liability insurance for senior services, even if you operate as a nonprofit. Senior center insurance covers the costs of lawsuits and accidents that might otherwise put you out of business.

How much does insurance cost for human and social services such as senior centers?

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Several factors will have an impact on insurance costs, including:

  • Services offered, such as outings and health screenings
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Senior Activities Center (Non Medical)